| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KINGSGATE SOLUTIONS LLC | 130 N 25TH ST FORT DODGE, IA 50501 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $35K | — | $35K | 1.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 10050 RECENCY CIR STE 300 OMAHA, NE 681143721 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 2.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 50 BRAINTREE HILL OFFICE PARK STE 310 BRAINTREE, MA 021848724 | AMERITAS LIFE INSURANCE CORP. | — | $1K | $1K | 0.86% |
| KINGSGATE SOLUTIONS LLC | 130 N 25TH ST FORT DODGE, IA 50501 | DEARBORN NATIONAL LIFE INSURNACE COMPANY | $3K | — | $3K | 14.58% |
| WELLMARK INC | PO BOX 10481 DES MOINES, IA 50306 | DEARBORN NATIONAL LIFE INSURNACE COMPANY | $2K | — | $2K | 10.69% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 285 | $1.9M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 221 | $119K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 221 | $119K |
| Life insurance | DEARBORN NATIONAL LIFE INSURNACE COMPANY | 413 | $19K |
| Other | DEARBORN NATIONAL LIFE INSURNACE COMPANY | 413 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.